NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

FDIC INSURANCE COVERAGE

On July 21, 2010, the FDIC Standard Maximum Deposit Insurance amount of $250,000.00 was made permanent. The FDIC Insurance coverage limit of $250,000.00 applies per depositor, per insured depository institution, for each account ownership category.

FDIC Aggregate Insurance Coverage

All deposits are FDIC insured and any deposits with Huntington State Bank or LoweryBank, a division of Huntington State Bank, or Bank of Tyler, a division of Huntington State Bank are insured as one bank in aggregate.